Not happy with what I have been told

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Foggy
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by Foggy » Wed Sep 12, 2018 5:53 pm
rachel655 wrote:
I am with aperture I phoned step change to get some advice



Think I am cottoning on now ---- how many payments did you miss ? It is standard practice, and part of the agreement, that three missed payments, without agreement, is a fail.

If they haven't issued the termination notice yet, they might be able to save it. If they can't or won't, you will have to wait for a couple of months for the paperwork to go through.
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rachel655
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by rachel655 » Wed Sep 12, 2018 8:57 pm
I have missed more than three payments but what I said is why did they fail it 2 days early
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Foggy
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by Foggy » Thu Sep 13, 2018 6:43 am
rachel655 wrote:
I have missed more than three payments but what I said is why did they fail it 2 days early


You need to ask them that. Are you both using the same start date for the 7 days notice they gave you ? They could be counting 7 days from the date the letter was sent and you might be counting 7 days from when you got it --- only guessing as I have no information here.
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rachel655
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by rachel655 » Thu Sep 13, 2018 12:09 pm
They are going from the 6th of the date of the letter but it failed on the 10th that is only 4 days not 7
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SteveUK
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by SteveUK » Thu Sep 13, 2018 12:14 pm
rachel655 wrote:
They are going from the 6th of the date of the letter but it failed on the 10th that is only 4 days not 7



Would you have been able to catch up the missed payments on those 2 or 3 days?
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rachel655
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by rachel655 » Thu Sep 13, 2018 1:35 pm
No because their did not get a payment from last year I will just sort it out when the paper work comes
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kallis3
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by kallis3 » Thu Sep 13, 2018 2:36 pm
Why did you miss a payment from last year?
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rachel655
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by rachel655 » Thu Sep 13, 2018 9:42 pm
It does not matter why I missed a payment I will sort it out when I get the paper work that I need
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SteveUK
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by SteveUK » Fri Sep 14, 2018 10:56 am
rachel655 wrote:
No because their did not get a payment from last year I will just sort it out when the paper work comes


If you couldn't have made the payments up what difference does the 2 days make?
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rachel655
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by rachel655 » Fri Sep 14, 2018 12:49 pm
They should have closed it when they said not early
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SteveUK
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by SteveUK » Fri Sep 14, 2018 1:14 pm
rachel655 wrote:
They should have closed it when they said not early


I'm obviously missing something here.
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rachel655
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by rachel655 » Sat Sep 15, 2018 3:03 am
I got told off who I am with it is closed but when I phoned step change for advice they said it was still active
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SteveUK
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by SteveUK » Sat Sep 15, 2018 5:39 am
rachel655 wrote:
I got told off who I am with it is closed but when I phoned step change for advice they said it was still active


Probably because the termination hasn't yet filtered through the system.
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Foggy
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by Foggy » Sat Sep 15, 2018 7:59 am
rachel655 wrote:
I got told off who I am with it is closed but when I phoned step change for advice they said it was still active


With any firm it would show as active for a while (maybe a couple of months). Aperture, however, are not as fast off the block as many, so it might be a little longer.
IVAconfused75
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by IVAconfused75 » Tue Sep 18, 2018 9:10 am
I have to say, Foggy and Kallis3 are very patient with people on here. Especially when information comes in a very mish mash format....
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